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Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012
0

Re: First Post: Home Depot vs. Lowes

I know but I think if i say im remoulding my home maybe??? I dont know but my dad has the lowes consumer card with a 20,000 limit and our credit and income are basically the same


creditnocash wrote:

MRomano442 wrote:

Thank You I acutally saw this I want to tommorow. Do you think 12,000 is greddy to ask???


kevinjjc wrote:

2ndTimeAround2012 wrote:

Welcome Marty!

 

Just curious, did you get the Lowe's card?

 

After all the new accounts I've opened within the last couple of months I'm in the garden until 12/13!!

I will have to share your excitement... LOL



MRomano442 wrote:

Thank you , yes i applied online and recieved a 1,000 limit which im a acutally mad. i acutally thought I would have recieved better credit line than home depot. I really need about 7,000 ro 10,000.00 haha I guess ill let it age


You can call the backdoor # for a GECRB underwriter to reconsider you for a higher credit limit.


 


honestly yes! but i mean its a soft pull so it really doesnt matter. they can counter it. (on the ge card)

for my walmart i trippled the first time and then doubled on my second cli. so its possible. 

 


 

Valued Contributor
kevinjjc
Posts: 1,374
Registered: ‎01-14-2009
0

Re: First Post: Home Depot vs. Lowes

MRomano442, please reply at the bottom when you do a quote reply... easier for everyone to read and follow the conversation. :smileyhappy:

Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012
0

Re: First Post: Home Depot vs. Lowes

sorry i like to write at the top. sorry if you have a problem 


kevinjjc wrote:

MRomano442, please reply at the bottom when you do a quote reply... easier for everyone to read and follow the conversation. :smileyhappy:


 

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: First Post: Home Depot vs. Lowes


MRomano442 wrote:

sorry i like to write at the top. sorry if you have a problem 


kevinjjc wrote:

MRomano442, please reply at the bottom when you do a quote reply... easier for everyone to read and follow the conversation. :smileyhappy:


 


LOL!! Well its not actually just him that feels that way :smileyvery-happy:.  

 

It's like watching a movie backwards or reading the answer before the question.  I've had to re-read a couple of your posts twice but then I looked at your post count and realized that you were new and just didn't understand....LOL!

 

However, you will find that in all forums if you quote someone that the quote comes first and then your reply.  It's called reading in order of the conversation.  It's sort of an unwritten rule, but then you are certainly free to continue to go on like you want, and those that are bothered by it will either help you or they won't.  

 

Anyway back to the topic, so have you made your decision on what you will recon for?  Do you know what you're going to say if they ask why you want a higher limit?  You know I've read that people recon stating they want to go on a major trip and they are successful with getting recons so since it's Lowes I guess you can say that you are doing something with your house or something...like a major project and that you want to save some money.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012
0

Re: First Post: Home Depot vs. Lowes

Yes brought a beatiful home new built in 2002 recently I bought for a short sale and its exterior is still beatuiful but the kitchen and bathrooms need some updating for my taste. I will like to recon for 10,000 my credit is 741 and Income is about $150,000 no baddies never and a few inquires. so we will see on monday


Rhaeny wrote:

MRomano442 wrote:

sorry i like to write at the top. sorry if you have a problem 


kevinjjc wrote:

MRomano442, please reply at the bottom when you do a quote reply... easier for everyone to read and follow the conversation. :smileyhappy:


 


LOL!! Well its not actually just him that feels that way :smileyvery-happy:.  

 

It's like watching a movie backwards or reading the answer before the question.  I've had to re-read a couple of your posts twice but then I looked at your post count and realized that you were new and just didn't understand....LOL!

 

However, you will find that in all forums if you quote someone that the quote comes first and then your reply.  It's called reading in order of the conversation.  It's sort of an unwritten rule, but then you are certainly free to continue to go on like you want, and those that are bothered by it will either help you or they won't.  

 

Anyway back to the topic, so have you made your decision on what you will recon for?  Do you know what you're going to say if they ask why you want a higher limit?  You know I've read that people recon stating they want to go on a major trip and they are successful with getting recons so since it's Lowes I guess you can say that you are doing something with your house or something...like a major project and that you want to save some money.


 

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: First Post: Home Depot vs. Lowes


MRomano442 wrote:

Yes brought a beatiful home new built in 2002 recently I bought for a short sale and its exterior is still beatuiful but the kitchen and bathrooms need some updating for my taste. I will like to recon for 10,000 my credit is 741 and Income is about $150,000 no baddies never and a few inquires. so we will see on monday

Looks like Lowes pulls EQ and TU so if that is a true Fico score then if based solely on your score and income I see success, however the 3rd thing is utilization.  How does your utilization look?


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
kevinjjc
Posts: 1,374
Registered: ‎01-14-2009
0

Re: First Post: Home Depot vs. Lowes

I give up! LOL :smileylol:

Established Member
MRomano442
Posts: 48
Registered: ‎12-28-2012
0

Re: First Post: Home Depot vs. Lowes

ult. is under 10 % on everything except pc richards card about 95%


Rhaeny wrote:

MRomano442 wrote:

Yes brought a beatiful home new built in 2002 recently I bought for a short sale and its exterior is still beatuiful but the kitchen and bathrooms need some updating for my taste. I will like to recon for 10,000 my credit is 741 and Income is about $150,000 no baddies never and a few inquires. so we will see on monday

Looks like Lowes pulls EQ and TU so if that is a true Fico score then if based solely on your score and income I see success, however the 3rd thing is utilization.  How does your utilization look?


 

Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

Re: First Post: Home Depot vs. Lowes

You guys must have real trouble with your e-mail.  :smileywink:

 


kevinjjc wrote:

I give up! LOL :smileylol:


 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: First Post: Home Depot vs. Lowes


Walt_K wrote:

You guys must have real trouble with your e-mail.  :smileywink:

 


kevinjjc wrote:

I give up! LOL :smileylol:


 


ROFLMAO!!


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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